Ryan Polimeni
National Trainer
Ryan has spent over a decade simplifying federal employee retirement planning. As a National Trainer, he educates federal employees on benefits, estate planning, tax strategies, and Social Security. Through My Fed University, Ryan leads training sessions that break down complex retirement topics, helping employees make informed decisions for long-term financial security.
Outside of work, Ryan enjoys the outdoors, traveling, and exploring global cuisine with his family.
Candace Mastropolo
Network Representative
Being a Network Representative, Candace has the privilege of working with and overseeing all client-related activities within our firm. Candace has an extensive background in the financial industry and her knowledge of the financial world makes her a major asset to ensuring all clients of our firm receive a first-class experience. She currently holds a North Carolina life insurance license.
She graduated from the University of North Carolina at Greensboro with a bachelor’s in business administration in 2011 and started her insurance and financial career later that year. Candace currently resides in Garner, North Carolina, with her husband, Dan, and two daughters, Aubrey and Ava. She enjoys working out, volunteering at her church, traveling to the beach and spending time with her family.
Ronald Friddle
Network Representative
Ronald Friddle has been in the financial industry for over 23 years. He lived with his family in Rockville, Maryland for 24 years. He is a retired military officer, and former federal civil servant. He has been working almost exclusively with public employees, conducting transition assistance and in-person retirement seminars at many of the military bases in the Washington, DC and Baltimore metro area for executive level military and civilian federal employees.
He is a graduate of the United States Naval Academy and Naval and Air Force Aviator with 20 years of honorable service.
Brian Zeman
Network Representative
Brian is a retired Federal civil servant with over 25 years of Human Resources experience with the Department of Veterans Affairs, as well as a retired military officer after 27 years of honorable service with the United States Air Force. Brian received his bachelor’s degree from Virginia Tech and later his master’s degree in Human Resources Management from Central Michigan University. With his extensive background and knowledge in Human Resources and the Federal Retirement system, Brian’s goal is to help Federal Employees understand their options and make informed decisions to maximize their benefits and chart a course for their financial success in retirement.
Brian, and his wife Shelleen, currently reside in the Smith Mountain Lake area of Virginia. Together they are the proud parents of four children and grandparents of four grandchildren. When not working, Brian enjoys traveling, spending time outdoors, and boating at the lake.
Jermaine Clifford
Network Representative
Jermaine Clifford brings nearly a decade of expertise in financial services, with a specialization in retirement planning and life insurance. Driven by a profound philosophy that life is not measured by its duration but by the positive impact one has on others, Jermaine has dedicated his career to helping hundreds of clients craft personalized plans that align with their unique needs.
Jermaine’s top priority is to assist clients in identifying the optimal retirement strategies to achieve their short-term and long-term objectives, ensuring they leave a lasting legacy for future generations. His commitment to his clients’ success and well-being is evident in his thorough, client-centered approach.
Originally from Jamaica and raised in Boston, MA, Jermaine now resides in Atlanta, GA. He has been happily married to his wife, Tanica, for 18 years, and they have three children: daughters Mikaela and Mia, and son Maximillian. In his free time, Jermaine enjoys traveling with his family or spending leisurely days in the backyard, playing with his children and grilling.
Jermaine Clifford’s dedication to his clients, combined with his rich personal and professional experiences, makes him a trusted advisor in the realm of retirement planning and life insurance.
James (Jim) Torres
Network Representative
James Torres is a proud Veteran of the U.S. Army. He has over 30 years as a Financial Professional educating and serving Federal Employees in both English and Spanish in multiple states. Over the years James has held a variety of upper-level corporate positions which makes him a wonderful asset to the Federal Retirement Experts family. With his many years in multiple facets of the finance industry he has gained insight into various financial strategies, and he will teach you the most efficient ways to reach your financial goals through Retirement Planning, Tax Planning, Social Security Planning, Estate Planning, Long Term Care, Debt Elimination/Reduction and more.
Jim’s life goal is to build lasting, quality relationships with his clients while helping them achieve their financial goals and objectives. He combines personal service and his leadership skills with the Federal Retirement Experts network to provide a cornerstone of service and strategy.
As a member of NARFE (National Active and Retired Federal Employees Association) as well as FFEBA (Federation of Federal Employee Benefit Advocacy), James has gained extensive knowledge and experience in federal employee benefits and he enjoys sharing that knowledge with others.
James and wife, Maria, reside in Southeast Florida and have 5 children and 6 grandchildren. James is a highly active community leader serving in various community programs to feed veterans and the poor, volunteers at his church in the Benevolence Ministry where he offers free Financial Education & Guidance and serves domestic and international missions.
Sharyl Schultz
Network Representative
Sharyl Schultz is the Owner and President of Ace Tax & Financial and works under the MyFedUniversity umbrella. Sharyl began her career over 35 years ago as a securities representative and Minnesota licensed life insurance agent. Sharyl has spent her entire career in the financial services arena. She has worked as an independent field agent, Assistant Vice President of Marketing for one of the largest insurance carriers in the world, and Vice President of Sales and Marketing for a major insurance wholesaler. This vast experience has reinforced the importance of understanding the individual needs of her clients by providing individual solutions because there is no one solution that fits all needs.
Sharyl is down to earth and can explain difficult concepts in a simplistic manner to help her clients make decisions. She focuses on a holistic approach that encompasses reducing taxes and creating plans for every stage in her client’s life.
Sharyl received her Bachelor of Science degree in Finance in 1983 and her Chartered Life Underwriters (CLU) designation in 1995. She is a fiduciary under the Investor Advisors Act of 1940 and a licensed insurance agent in over 35 states.
Sharyl lives in Arizona with her husband, Warren, and they have two adult sons. They all love spending time back in Minnesota in the summer and hiking and exploring the Desert in Arizona during the winter months.